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HomeMy WebLinkAboutPELLETIER & ASSOCIATES (2) - 2017IN.30iiNCE ON FILE WORK MAY PROCEED UNTIL INSURANCE EXPIKS e7 CLERK OF COUNCIL DATE A, it 1, pw N-2015-044-001 lei 161' AIM E' N D M ENT TO CONSULTANT AGREEIVIENT W1111 P �LLETIER & ASSOCIATES oyq. ,THIS FIRST AMENDMENT to the above -referenced agrectrant is entered into on May 9, 2017, by and between Pelletier 6% Associates, a California corporation ("Consultant"), and the City of Santa Ana, a charter city and municipal corporation organized and existing tinder the Constitution and laws of th e State or California (,City"). RECITALS A, The parties entered into Agreement YN-2015-044, dated March 16, 2015 ("Agreement"), by which Consultant agreed to provide ergonomic evaluations arid assessments. BThe term of the Agreoment is fion-i March 16, 2015 through June 30, 2018, and the Agreement remains in effect. C. 7'he parties wish to intend the Agreement to increase the amount to be expended tinder the Agreement, The, Parties therefore agree, 1. Section 2, Compensation, is ai-nerided to include an additional $ 10,000 for services to be porfoniied by the Consultant so that, the total sum. to be expended tinder the Agreement shall not exceed $25,00(1, 2. Except as modi ficd by this First Amenditient, al I terms and conditions of the Agreement shall remain in full force and effect, IN WI"I'NESS WI-IEREOF, the parti" hereto have excouted this First Amendment to the Agreemont on the date and year first written abovo, ATTEST CIT V OF SANTA ANA ARIA D,14 U IZAR /07 ��Iierk of the Coi,nnefl CYNTHIA J. KL)RTZ Interim City Manager APPROVED AS TO FORM SOFIA R. CARVADIO City Attorney LAURA AAR&§SINT Senior Assistant City Attorney PEIAXTIER & ASSOCIATES DIANA PELLETIER President/CEO Page I of'2 REC OMNIENDE'D FOR APPROVAL N-2015-044-001 &T JWAkdlaVA EXCCUtive Director, Persoanel Services Agency Page 2 of BUSINESS LIABILITY COVERAGE FORM FormSS 0008 0405 © 2005, The Hartford QUICK REFERENCE BUSINESS LIABILITY COVERAGE FORM READ YOUR POLICY CAREFULLY BUSINESS LIABILITY COVERAGE FORM Beginning onPage A.COVERAGES 1 1 Business Liability 2 Medical Expenses 2 CoverageExtension -SupplementaryPayments B.EXCLUSIONS 3 C.WHO IS AN INSURED 10 D.LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 14 E.LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 15 1.15 Bankruptcy 2.15 DutiesInTheEventOf Occurrence,Offense,ClaimOrSuit 3.16 FinancialResponsibilityLaws 4.16 Legal ActionAgainst Us 5.16 SeparationOf Insureds 6.16 Representations 7.16 OtherInsurance 8.17 TransferOf RightsOf RecoveryAgainst OthersToUs F.OPTIONAL ADDITIONAL INSURED COVERAGES 18 18 AdditionalInsureds G.LIABILITY AND MEDICAL EXPENSES DEFINITIONS 20 FormSS 0008 0405 BUSINESS LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Readtheentire policycarefullytodeterminerights,duties andwhat is andisnotcovered. Throughoutthispolicythewords"you"and"your"refertotheNamedInsuredshownintheDeclarations.Thewords "we", "us"and "our"refertothestockinsurancecompanymember of The Hartfordproviding thisinsurance. C Theword "insured" means anyperson ororganizationqualifying assuch underSection . -WhoIsAn Insured. G Otherwordsandphrasesthatappearinquotationmarkshavespecialmeaning.RefertoSection.-LiabilityAnd Medical ExpensesDefinitions. (a) A.COVERAGES The"bodilyinjury"or"property damage"iscausedbyan 1.BUSINESSLIABILITYCOVERAGE(BODILY "occurrence"thattakesplaceinthe INJURY,PROPERTYDAMAGE,PERSONAL "coverageterritory"; ANDADVERTISING INJURY) (b) The"bodilyinjury"or"property InsuringAgreement damage"occursduringthepolicy a. Wewillpaythosesumsthattheinsured period; and becomeslegallyobligatedtopayas (c) Priortothepolicyperiod,noinsured damagesbecauseof"bodilyinjury", 1. listedunderParagraphofSection "propertydamage"or"personaland C. –WhoIsAnInsuredandno advertisinginjury"towhichthisinsurance "employee"authorized byyoutogive applies.Wewillhavetherightanddutyto orreceivenoticeofan"occurrence" defendtheinsuredagainstany"suit" orclaim, knewthat the"bodilyinjury" seekingthosedamages.However,wewill or"propertydamage"hadoccurred, havenodutytodefendtheinsuredagainst inwholeorinpart.Ifsuchalisted any"suit"seekingdamagesfor"bodily insuredorauthorized"employee" injury","propertydamage"or"personaland knew,priortothepolicyperiod,that advertisinginjury"towhichthisinsurance the"bodilyinjury"or"property doesnotapply. damage"occurred,thenany Wemay,atourdiscretion,investigateany continuation,changeorresumption "occurrence"or offenseand settle anyclaim ofsuch"bodilyinjury"or"property or"suit" thatmayresult. But: damage"duringorafterthepolicy periodwillbedeemedtohavebeen (1) Theamountwewillpayfordamagesis knownpriortothepolicyperiod. D. limitedasdescribedinSection- (2) To"personalandadvertisinginjury" LiabilityAndMedicalExpensesLimits caused byan offensearising out of your OfInsurance; and business,butonlyiftheoffensewas (2) Ourrightanddutytodefendendswhen committedinthe"coverageterritory" wehaveuseduptheapplicablelimitof during the policyperiod. insuranceinthepaymentofjudgments, c. "Bodilyinjury"or"propertydamage"willbe settlementsormedicalexpensestowhich deemedtohavebeenknowntohave thisinsuranceapplies. occurredattheearliesttimewhenany Nootherobligationorliabilitytopaysumsor 1. insuredlisted underParagraph of Section performactsorservicesiscoveredunless C. –WhoIsAnInsuredorany"employee" explicitlyprovidedforunderCoverage authorizedbyyoutogiveorreceivenotice Extension-SupplementaryPayments. of an"occurrence" orclaim: b. Thisinsuranceapplies: (1) Reportsall,oranypart,ofthe"bodily (1) To"bodilyinjury"and"property injury"or"propertydamage"tousor damage" only if: anyotherinsurer; FormSS 0008 0405Page 1of24 © 2005,TheHartford BUSINESS LIABILITYCOVERAGE FORM (2)b. ReceivesawrittenorverbaldemandorWewillmakethesepaymentsregardlessof claimfordamagesbecauseofthe"bodilyfault.Thesepaymentswillnotexceedthe injury"or"propertydamage";orapplicablelimitofinsurance.Wewillpay reasonable expensesfor: (3) Becomesawarebyanyothermeansthat (1) "bodilyinjury"or"propertydamage"hasFirstaidadministeredatthetimeofan occurredorhasbeguntooccur.accident; d.(2) Damagesbecauseof"bodilyinjury"include Necessarymedical,surgical,x-rayand damagesclaimedbyanypersonor dentalservices,includingprosthetic organizationforcare,lossofservicesordevices;and deathresultingatanytimefromthe"bodily (3) Necessaryambulance,hospital, injury". professionalnursingandfuneral e.IncidentalMedical Malpractice services. (1) "Bodilyinjury"arisingoutofthe 3.COVERAGEEXTENSION- renderingoforfailuretorender SUPPLEMENTARY PAYMENTS professionalhealthcareservicesasa a. Wewillpay,withrespecttoanyclaimor physician,dentist,nurse,emergency "suit"weinvestigateorsettle,orany"suit" medicaltechnicianorparamedicshall againstan insured wedefend: bedeemedtobecausedbyan (1) Allexpenses weincur. "occurrence", but only if: (2) Upto$1,000forthecostofbailbonds (a) Thephysician,dentist,nurse, requiredbecauseofaccidentsortraffic emergencymedicaltechnicianor lawviolationsarisingoutoftheuseof paramedicisemployedbyyouto anyvehicletowhichBusinessLiability provide suchservices; and Coveragefor"bodily injury"applies. We (b) Youarenotengagedinthe donothave to furnishthesebonds. businessoroccupationofproviding (3) Thecostofappealbondsorbondsto suchservices. releaseattachments,butonlyforbond (2) Forthepurposeofdeterminingthe amountswithintheapplicablelimitof limitsofinsurancefor incidentalmedical insurance.Wedonothavetofurnish malpractice,anyactoromission these bonds. togetherwithallrelatedactsor (4) All reasonable expenses incurred by the omissionsinthefurnishingofthese insuredatour request to assist us in the servicestoanyonepersonwillbe investigationordefenseoftheclaimor considered one"occurrence". "suit",includingactuallossofearnings 2.MEDICAL EXPENSES upto$500adaybecauseoftimeoff InsuringAgreement fromwork. a. Wewillpaymedicalexpensesasdescribed (5) Allcoststaxedagainsttheinsuredin belowfor"bodilyinjury"causedbyan the "suit". accident: (6) Prejudgmentinterestawardedagainst (1) On premisesyou ownor rent; theinsuredonthatpartofthejudgment wepay.Ifwemakeanoffertopaythe (2) Onwaysnexttopremisesyouownor applicablelimitofinsurance,wewillnot rent;or payanyprejudgmentinterestbasedon (3) Becauseofyour operations; that period of time aftertheoffer. provided that: (7) Allinterestonthefullamountofany (1) Theaccidenttakesplaceinthe judgmentthataccruesafterentryofthe "coverageterritory"andduringthe judgmentandbeforewehavepaid, policyperiod; offeredtopay,ordepositedincourtthe partofthejudgmentthatiswithinthe (2) The expenses are incurredand reported applicable limit of insurance. touswithinthreeyearsofthedateof the accident; and (1)(7) Anyamountspaidunderthrough abovewillnotreduce the limits of insurance. (3) Theinjuredpersonsubmitsto examination,atourexpense,by physiciansofourchoiceasoftenaswe reasonably require. Page 2of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM b. Ifwedefendaninsuredagainsta"suit" Solongastheaboveconditionsaremet, andanindemniteeoftheinsuredisalso attorneys'feesincurredbyusinthe namedasapartytothe"suit",wewill defenseofthatindemnitee,necessary defendthatindemniteeifallofthe litigationexpensesincurredbyusand followingconditionsare met:necessarylitigationexpensesincurred bytheindemniteeatourrequestwillbe (1) The"suit"againsttheindemnitee paidasSupplementaryPayments. seeksdamagesforwhichtheinsured hasassumedtheliabilityofthe Notwithstandingtheprovisionsof 1.b.(b)B. indemniteeinacontractoragreement ParagraphofSection– thatisan "insured contract";Exclusions,suchpaymentswillnotbe deemedtobedamagesfor"bodily (2) Thisinsuranceappliestosuchliability injury"and"propertydamage"andwill assumed bytheinsured; not reducetheLimits of Insurance. (3) Theobligation to defend, or the cost of Ourobligationtodefendaninsured's thedefenseof,thatindemnitee,has indemniteeandtopayforattorneys'fees alsobeenassumedbytheinsuredin andnecessarylitigationexpensesas the same "insured contract"; Supplementary Paymentsends when: (4) Theallegationsinthe"suit"andthe (1) Wehaveuseduptheapplicablelimit informationweknowaboutthe ofinsuranceinthepaymentof "occurrence"aresuchthatnoconflict judgments orsettlements; or appearstoexistbetweentheinterests (2) oftheinsuredandtheinterestofthe Theconditionssetforthabove,orthe indemnitee;termsoftheagreementdescribedin (6) Paragraphabove,arenolongermet. (5) Theindemniteeandtheinsuredask B.EXCLUSIONS ustoconductandcontrolthedefense ofthatindemniteeagainstsuch"suit" 1.ApplicableTo Business LiabilityCoverage andagreethatwecanassignthe Thisinsurancedoes not apply to: samecounseltodefendtheinsured andtheindemnitee;and a.ExpectedOrIntendedInjury (6) The indemnitee: (1) "Bodilyinjury"or"propertydamage" expectedorintendedfromthe (a) Agreesinwritingto: standpointoftheinsured.This (i) Cooperatewithusinthe exclusiondoesnotapplyto"bodily investigation,settlementor injury"or"propertydamage"resulting defense of the "suit"; fromtheuseofreasonableforceto (ii) Immediately sendus copies of protectpersons orproperty; or anydemands,notices, (2) "Personalandadvertisinginjury"arising summonsesorlegalpapers outofanoffensecommittedby,atthe receivedinconnectionwith directionoforwiththeconsentor the "suit"; acquiescenceoftheinsuredwiththe (iii) Notify any otherinsurerwhose expectationofinflicting"personaland coverageisavailabletothe advertisinginjury". indemnitee; and b.ContractualLiability (iv) Cooperatewithuswith (1) "Bodilyinjury"or"propertydamage";or respecttocoordinatingother (2) "Personal andadvertisinginjury" applicableinsuranceavailable to the indemnitee; and forwhichtheinsuredisobligatedtopay damagesbyreasonoftheassumptionof (b) Providesuswithwritten liabilityina contractor agreement. authorizationto: Thisexclusiondoesnotapplytoliability (i) Obtainrecordsandother for damages becauseof: informationrelatedtothe "suit"; and (a) "Bodilyinjury","propertydamage"or "personalandadvertisinginjury"that (ii) Conductandcontrolthe theinsuredwouldhaveinthe defenseoftheindemniteein absenceofthecontractor such"suit". agreement;or FormSS 0008 0405Page 3of24 BUSINESS LIABILITYCOVERAGE FORM (b)(b) "Bodilyinjury"or"propertydamage"Performingdutiesrelatedtothe assumed in a contract oragreementconductoftheinsured’sbusiness,or thatisan"insuredcontract", (2) Thespouse,child,parent,brotheror providedthe"bodilyinjury"or sisterofthat"employee"asa "propertydamage"occurs (1) consequenceofabove. subsequenttotheexecutionofthe Thisexclusion applies: contractoragreement.Solelyfor (1) Whethertheinsuredmaybeliableas thepurposeofliabilityassumedin anemployerorinanyothercapacity; an"insuredcontract",reasonable and attorneys'feesandnecessary litigation expenses incurred by or for(2) Toanyobligationtosharedamages apartyotherthananinsuredare withorrepaysomeoneelsewhomust deemedtobedamagesbecauseof paydamagesbecause of the injury. "bodilyinjury"or"propertydamage" Thisexclusiondoesnotapplytoliability provided: assumedbytheinsuredunderan"insured (i) Liabilitytosuchpartyfor,orfor contract". thecostof,thatparty’sdefense f.Pollution hasalsobeenassumedinthe (1) "Bodilyinjury","propertydamage"or same"insuredcontract",and "personalandadvertisinginjury" (ii) Suchattorneys'feesand arisingoutoftheactual,allegedor litigationexpensesarefor threateneddischarge,dispersal, defenseofthat party against a seepage,migration,releaseorescape civiloralternativedispute of "pollutants": resolutionproceedinginwhich (a) Atorfromanypremises,siteor damagestowhichthis locationwhichisorwasatany insurance appliesare alleged. timeownedoroccupiedby,or c.Liquor Liability rentedorloanedtoanyinsured. "Bodilyinjury"or"propertydamage"for However,thissubparagraphdoes whichanyinsuredmaybeheldliableby not apply to: reasonof: (i) "Bodilyinjury"ifsustainedwithin (1) Causingorcontributingtothe abuildingandcausedby intoxicationofany person; smoke,fumes,vapororsoot producedbyororiginatingfrom (2) Thefurnishingofalcoholicbeveragesto equipmentthatisusedtoheat, apersonunderthelegaldrinkingageor coolordehumidifythebuilding, undertheinfluenceofalcohol;or orequipmentthatisusedto (3) Anystatute,ordinanceorregulation heatwaterforpersonaluse,by relatingtothesale,gift,distributionor thebuilding'soccupantsortheir useofalcoholicbeverages. guests; Thisexclusionappliesonlyifyouareinthe (ii) "Bodilyinjury"or"property businessofmanufacturing,distributing, damage"forwhichyoumaybe selling,servingorfurnishingalcoholic heldliable,ifyouarea beverages. contractorandtheowneror d.Workers'CompensationAndSimilar lesseeofsuchpremises,site or Laws location hasbeenaddedtoyour Anyobligationoftheinsuredundera policyasanadditionalinsured workers'compensation,disabilitybenefits withrespecttoyourongoing orunemploymentcompensationlawor operationsperformedforthat anysimilar law. additionalinsuredatthat premises,siteorlocationand e.Employer’sLiability suchpremises,siteorlocation "Bodilyinjury" to: isnotandneverwasownedor (1) An"employee"oftheinsuredarising occupiedby,orrentedor out of andinthecourse of: loanedto,anyinsured,other (a) Employmentby the insured;or thanthatadditionalinsured;or Page 4of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (iii) "Bodilyinjury"or"property releasedaspartofthe damage"arisingoutofheat, operationsbeingperformed smokeorfumesfroma bysuchinsured,contractoror "hostile fire";subcontractor; (b)(ii) Atorfromanypremises,siteor "Bodilyinjury"or"property locationwhichisorwasatanydamage"sustainedwithina timeusedbyorforanyinsuredor buildingandcausedbythe othersforthehandling,storage, releaseofgases,fumesor disposal,processingortreatment vaporsfrommaterialsbrought of waste;intothatbuildinginconnection withoperationsbeingperformed (c) Whichareorwereatanytime byyouoronyourbehalfbya transported,handled,stored, contractororsubcontractor;or treated,disposedof,orprocessed (iii) aswasteby orfor:"Bodilyinjury"or"property damage"arisingoutofheat, (i) Anyinsured; or smokeorfumesfroma (ii) Anypersonororganizationfor "hostile fire"; or whomyoumaybelegally (e) Atorfromanypremises,siteor responsible; locationonwhichanyinsuredorany (d) Atorfromanypremises,siteor contractorsorsubcontractors locationonwhichanyinsuredor workingdirectlyorindirectlyonany anycontractorsorsubcontractors insured’sbehalfareperforming workingdirectlyorindirectlyon operationsiftheoperationsareto anyinsured'sbehalfare testfor,monitor,cleanup,remove, performingoperationsifthe contain,treat,detoxifyorneutralize, "pollutants"arebroughtonorto orinanywayrespondto,orassess thepremises,siteorlocationin theeffectsof,"pollutants". connectionwithsuchoperations (2) Anyloss,costorexpensearisingout bysuchinsured,contractoror of any: subcontractor.However,this (a) subparagraphdoes not apply to:Request, demand, order or statutory orregulatoryrequirementthatany (i) "Bodilyinjury"or"property insuredorotherstestfor,monitor, damage"arisingoutofthe cleanup,remove,contain,treat, escapeoffuels,lubricantsor detoxifyorneutralize,orinanyway other operating fluidswhichare respondto,orassesstheeffectsof, neededtoperformthenormal "pollutants";or electrical,hydraulicor (b) mechanicalfunctionsClaimorsuitbyoronbehalfofa necessaryfortheoperationofgovernmentalauthorityfor "mobile equipment" or itsparts,damagesbecauseoftestingfor, if such fuels, lubricants orothermonitoring,cleaning up, removing, operatingfluidsescapefromacontaining,treating,detoxifyingor vehiclepartdesignedtohold,neutralizing,orinanyway storeorreceivethem.Thisrespondingto,orassessingthe exceptiondoesnotapplyiftheeffects of,"pollutants". "bodilyinjury"or"property However,thisparagraphdoesnot damage"arisesoutofthe applytoliabilityfordamagesbecause intentionaldischarge,dispersal of"propertydamage"thattheinsured orreleaseofthefuels, wouldhaveintheabsenceofsuch lubricantsorotheroperating request,demand,orderorstatutoryor fluids,orifsuchfuels, regulatoryrequirement,orsuchclaim lubricantsorotheroperating or"suit"byoronbehalfofa fluidsarebroughtonortothe governmental authority. premises,siteorlocationwith theintentthattheybe discharged,dispersedor FormSS 0008 0405Page 5of24 BUSINESS LIABILITYCOVERAGE FORM g.Aircraft,AutoOrWatercraft(2) Theuseof"mobileequipment"in,or whileinpracticeorpreparationfor,a "Bodilyinjury"or"propertydamage"arising prearrangedracing,speedor outoftheownership,maintenance,useor demolitioncontestorinanystunting entrustmenttoothersofanyaircraft,"auto" activity. or watercraft owned or operated by or rented i.War orloanedtoanyinsured.Useincludes operationand"loadingorunloading". "Bodilyinjury","propertydamage"or Thisexclusionapplieseveniftheclaims "personalandadvertisinginjury",however againstanyinsuredallegenegligenceor caused,arising,directlyorindirectly,outof: otherwrongdoinginthesupervision,hiring, (1) War,includingundeclaredor civil war; employment,trainingormonitoringofothers (2) Warlikeactionbyamilitaryforce, bythatinsured,ifthe"occurrence"which includingactioninhinderingor causedthe"bodilyinjury"or"property defendingagainstanactualor damage"involvedtheownership, expectedattack,byanygovernment, maintenance,use orentrustmenttoothersof sovereignorotherauthorityusing anyaircraft,"auto"orwatercraftthatis military personnel orotheragents; or ownedoroperatedbyorrentedorloanedto (3) Insurrection,rebellion,revolution, anyinsured. usurpedpower,oractiontakenby Thisexclusion doesnotapplyto: governmentalauthorityinhinderingor (1) Awatercraftwhileashoreonpremises defendingagainst anyofthese. youown orrent; j.Professional Services (2) Awatercraftyou donotown thatis: "Bodilyinjury","propertydamage"or (a) Lessthan51 feetlong; and "personalandadvertisinginjury"arising outoftherenderingoforfailuretorender (b) Notbeingusedtocarrypersons anyprofessionalservice.Thisincludes for acharge; but is not limited to: (3) Parkingan"auto"on,orontheways (1) Legal,accountingoradvertising nextto,premisesyouownorrent, services; providedthe"auto"isnotownedbyor rented orloanedtoyou ortheinsured; (2) Preparing,approving,orfailingto prepareorapprovemaps,shop (4) Liabilityassumedunderany"insured drawings,opinions,reports,surveys, contract"fortheownership, fieldorders,changeorders,designsor maintenanceoruseofaircraftor drawingsandspecifications; watercraft; (3) Supervisory,inspection,architectural (5) "Bodilyinjury"or"propertydamage" orengineering activities; arisingoutoftheoperationofanyof f.(2) theequipmentlisted in Paragraph (4) Medical,surgical,dental,x-rayor f.(3) orofthedefinitionof"mobile nursingservicestreatment,adviceor equipment";or instruction; (6) Anaircraftthatisnotownedbyany (5) Anyhealthortherapeuticservice insured and is hired,charteredor loaned treatment, advice orinstruction; withapaidcrew.However,this (6) Anyservice,treatment,adviceor exceptiondoesnotapplyiftheinsured instructionforthepurposeof hasanyotherinsurancefor such"bodily appearance orskinenhancement,hair injury"or"propertydamage",whether removalorreplacementorpersonal theotherinsuranceisprimary,excess, grooming; contingentoronanyotherbasis. (7) Opticalorhearingaidservices h.Mobile Equipment includingtheprescribing,preparation, "Bodilyinjury"or"propertydamage" fitting,demonstrationordistributionof arisingoutof: ophthalmiclensesandsimilar products orhearingaiddevices; (1) Thetransportationof"mobileequipment" byan"auto"ownedoroperatedbyor rentedorloanedtoanyinsured;or Page 6of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (8)(1)(3)(4) OptometryoroptometricservicesParagraphs,andofthis includingbutnotlimitedtoexaminationexclusiondonotapplyto"property oftheeyesandtheprescribing,damage"(otherthandamagebyfire)to preparation,fitting,demonstrationorpremises,includingthecontentsofsuch distributionofophthalmiclensesandpremises, rented to you for a period of 7or similarproducts;fewerconsecutivedays.AseparateLimit ofInsuranceappliestoDamageTo (9) Any: PremisesRentedToYouasdescribedin (a) Bodypiercing(notincludingear D. Section-Limits OfInsurance. piercing); (2) Paragraphofthisexclusiondoesnot (b) Tattooing,includingbutnotlimited applyifthepremisesare"yourwork"and totheinsertionofpigmentsintoor wereneveroccupied,rentedorheldfor undertheskin; and rentalby you. (c) Similarservices; (3) (4) Paragraphs andofthis exclusiondo (10) Servicesinthepracticeofpharmacy; not apply to the useofelevators. and (3)(4)(5)(6) Paragraphs,,andofthis (11) Computerconsulting,designor exclusiondonotapplytoliabilityassumed programmingservices,includingweb undera sidetrackagreement. sitedesign. (3)(4) Paragraphs and ofthis exclusiondo (4)(5) Paragraphs and ofthis exclusiondo notapplyto"propertydamage"to notapplytotheIncidentalMedical borrowedequipmentwhilenotbeingused Malpracticecoverageaffordedunder to performoperations at ajobsite. 1.e.A. ParagraphinSection -Coverages. (6) Paragraphofthisexclusiondoesnot k.Damage ToProperty applyto"propertydamage" includedinthe "products-completed operationshazard". "Property damage" to: l.Damage ToYour Product (1) Propertyyouown,rentoroccupy, includinganycostsorexpenses "Propertydamage"to"yourproduct" incurredbyyou,oranyotherperson, arisingoutofit orany part of it. organizationorentity,forrepair, m.Damage ToYour Work replacement,enhancement, "Propertydamage"to"yourwork"arising restorationormaintenanceofsuch out of it or any part ofit andincluded in the propertyforanyreason,including "products-completed operationshazard". preventionofinjurytoapersonor damage to another's property;Thisexclusiondoesnotapplyifthe damagedworkortheworkoutofwhich (2) Premisesyousell,giveawayor thedamageariseswasperformedonyour abandon,ifthe"propertydamage"arises behalfby asubcontractor. outofanypartofthosepremises; n.DamageToImpairedPropertyOr (3) Property loaned to you; PropertyNotPhysically Injured (4) Personalpropertyinthecare,custody "Propertydamage"to"impairedproperty" orcontrol of the insured; orpropertythathasnotbeenphysically (5) Thatparticularpartofrealpropertyon injured, arisingoutof: whichyouoranycontractorsor (1) Adefect,deficiency,inadequacyor subcontractorsworkingdirectlyor dangerousconditionin"yourproduct" indirectlyonyourbehalfareperforming or"your work"; or operations,ifthe"propertydamage" (2) arisesoutofthoseoperations;orAdelayorfailurebyyouoranyone actingonyourbehalftoperforma (6) Thatparticularpartofanyproperty contractoragreementinaccordance thatmustberestored,repairedor withits terms. replacedbecause"yourwork"was incorrectly performedon it.Thisexclusiondoesnotapplytotheloss ofuseofotherpropertyarisingoutof suddenandaccidentalphysicalinjuryto "yourproduct"or"yourwork"afterithas beenputtoits intendeduse. FormSS 0008 0405Page 7of24 BUSINESS LIABILITYCOVERAGE FORM o.RecallOfProducts,WorkOrImpaired (c) Titleofany literary orartistic work; Property (8) Arising out of anoffense committed by Damagesclaimedforanyloss,costor aninsuredwhose business is: (a) expenseincurredbyyouorothersfortheAdvertising,broadcasting, lossofuse,withdrawal,recall,inspection, publishing ortelecasting; repair,replacement,adjustment,removal (b) Designingordeterminingcontent ordisposal of: of websites for others;or (1) "Yourproduct"; (c) AnInternetsearch,access, (2) "Yourwork";or contentor service provider. (3) "Impaired property"; However,thisexclusiondoesnot ifsuchproduct,workorpropertyis a.b.c. applytoParagraphs,and withdrawnorrecalledfromthemarketor underthedefinitionof"personaland fromusebyanypersonororganization G. advertisinginjury"inSection– becauseofaknownorsuspecteddefect, LiabilityAndMedicalExpenses deficiency,inadequacyordangerous Definitions. condition in it. Forthepurposesofthisexclusion, p.Personal AndAdvertisingInjury placingan"advertisement"foror linkingtoothersonyourwebsite,by "Personal andadvertisinginjury": itself,isnotconsideredthebusiness (1) Arising out of oral, written or electronic ofadvertising,broadcasting, publicationofmaterial,ifdonebyorat publishing ortelecasting; thedirectionoftheinsuredwith (9) Arisingoutofanelectronicchatroom knowledge of itsfalsity; orbulletinboardtheinsuredhosts, (2) Arising out of oral, written or electronic owns,oroverwhichtheinsured publicationofmaterialwhosefirst exercises control; publicationtookplacebeforethe (10) Arisingoutoftheunauthorizeduseof beginningofthepolicy period; another's name or product in youre-mail (3) Arisingoutofacriminalactcommitted address,domainnameormetatags,or byor at the direction of the insured; anyothersimilartacticstomislead (4) Arisingoutofanybreachofcontract, another'spotentialcustomers; exceptanimpliedcontracttouse (11) Arisingoutoftheviolationofa another’s"advertisingidea"inyour person'srightofprivacycreatedby "advertisement"; anystate orfederal act. (5) Arisingoutofthefailureofgoods, However,thisexclusiondoesnot productsorservicestoconformwith applytoliabilityfordamagesthatthe anystatementofqualityor insuredwouldhaveintheabsenceof performancemadeinyour suchstate orfederal act; "advertisement"; (12) Arisingoutof: (6) Arisingoutofthewrongdescriptionof (a) An"advertisement"forotherson thepriceofgoods,productsorservices; yourweb site; (7) Arisingoutofanyviolationofany (b) Placingalinktoawebsiteof intellectualpropertyrightssuchas others onyour website; copyright,patent,trademark,trade name,tradesecret,servicemarkor (c) Contentfromawebsiteofothers otherdesignationoforiginor displayedwithinaframeorborder authenticity. onyourwebsite.Contentincludes information,code,sounds,text, However,thisexclusiondoesnot graphicsorimages;or applytoinfringement,inyour "advertisement",of (d) Computercode,softwareor programming usedtoenable: (a) Copyright; (i) Yourweb site; or (b) Slogan,unlessthesloganisalso atrademark,tradename,service (ii) The presentation or functionality markorotherdesignationof origin ofan"advertisement"orother orauthenticity; or contentonyourwebsite; Page 8of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (13)(a) Arisingoutofaviolationofanyanti-Maybeawardedorincurredby trustlaw;reasonofanyclaimorsuit alleging actual or threatened injury (14) Arising out of the fluctuation in price or or damage of any nature or kind to valueofanystocks,bondsorother personsorpropertywhichwould securities; or nothaveoccurredinwholeorin (15) Arisingoutofdiscriminationor part but for the "asbestos hazard"; humiliationcommittedbyoratthe (b) Ariseoutofanyrequest,demand, directionofany"executiveofficer", orderorstatutoryorregulatory director,stockholder,partneror requirementthatanyinsuredor memberoftheinsured. otherstestfor,monitor,cleanup, q.ElectronicData remove,encapsulate,contain, Damagesarisingoutofthelossof,lossof treat,detoxifyorneutralizeorin useof,damageto,corruptionof,inability anywayrespondtoorassessthe toaccess,orinabilitytomanipulate effects of an"asbestos hazard"; or "electronicdata". (c) Ariseoutofanyclaimorsuitfor r.Employment-RelatedPractices damagesbecauseoftestingfor, monitoring,cleaningup,removing, "Bodily injury"or "personal and advertising encapsulating,containing,treating, injury"to: detoxifyingorneutralizingorinany (1) Aperson arisingoutofany: wayrespondingtoorassessingthe (a) Refusaltoemploy thatperson; effectsofan"asbestoshazard". (b) Terminationofthatperson's t.ViolationOfStatutesThatGovernE- employment; or Mails,Fax,PhoneCallsOrOther MethodsOfSendingMaterialOr (c) Employment-relatedpractices, Information policies,actsoromissions,suchas coercion,demotion,evaluation, "Bodilyinjury","propertydamage",or reassignment,discipline, "personalandadvertisinginjury"arising defamation,harassment,humiliation directlyorindirectlyoutofanyactionor ordiscriminationdirectedatthat omissionthatviolatesorisallegedto person;or violate: (2) Thespouse,child,parent,brotheror (1) TheTelephoneConsumerProtection sisterofthatpersonasa Act(TCPA),including anyamendment consequenceof"bodilyinjury"or of oradditiontosuch law; "personaland advertising injury" to the (2) TheCAN-SPAM Act of 2003, including personatwhomanyofthe anyamendmentoforadditiontosuch employment-relatedpractices law;or (a)(b)(c) described in Paragraphs,,or (3) Anystatute,ordinanceorregulation, aboveisdirected. otherthantheTCPAorCAN-SPAMAct Thisexclusion applies: of2003,thatprohibitsorlimitsthe (1) Whethertheinsuredmaybeliableas sending,transmitting,communicatingor anemployerorinanyothercapacity; distributionofmaterialorinformation. and DamageToPremisesRentedToYou– (2) Toanyobligationtosharedamages ExceptionForDamageByFire,Lightning withorrepaysomeoneelsewhomust or Explosion paydamagesbecause of the injury. c.h.k.o. Exclusionsthroughandthroughdo s.Asbestos notapplytodamagebyfire,lightningor explosiontopremisesrentedtoyouor (1) "Bodilyinjury","propertydamage"or temporarilyoccupiedby youwith permission of "personalandadvertisinginjury" theowner.AseparateLimitofInsurance arisingoutofthe"asbestoshazard". appliestothiscoverageasdescribedin (2) Anydamages,judgments,settlements, D. Section-LiabilityAndMedicalExpenses loss,costsorexpensesthat: LimitsOf Insurance. FormSS 0008 0405Page 9of24 BUSINESS LIABILITYCOVERAGE FORM 2.ApplicableTo MedicalExpenses Coveragee. Atrust,youareaninsured.Yourtrustees arealsoinsureds,butonlywithrespectto We will not payexpenses for "bodilyinjury": theirduties astrustees. a.Any Insured 2. Eachofthefollowing is also aninsured: Toanyinsured,except"volunteerworkers". a.Employees AndVolunteer Workers b.HiredPerson Your"volunteerworkers"onlywhile To a person hired to do work foror onbehalf performingdutiesrelatedtotheconductof ofanyinsuredoratenantofanyinsured. yourbusiness,oryour"employees",other c.InjuryOn Normally Occupied Premises thaneitheryour"executiveofficers"(ifyou Toapersoninjuredonthatpartof areanorganizationotherthana premisesyouownorrentthattheperson partnership,jointventureorlimitedliability normally occupies. company)oryourmanagers(ifyouarea limitedliabilitycompany),butonlyforacts d.Workers'CompensationAndSimilar withinthescopeoftheiremploymentby Laws youorwhileperformingdutiesrelatedto Toaperson,whetherornotan the conduct of yourbusiness. "employee"ofanyinsured,ifbenefitsfor However,noneofthese"employees"or the"bodilyinjury"arepayableormustbe "volunteerworkers" areinsuredsfor: providedunderaworkers'compensation ordisability benefits law ora similarlaw. (1) "Bodilyinjury"or"personaland advertising injury": e.Athletics Activities (a) Toyou,toyourpartnersor Toapersoninjuredwhilepracticing, members(ifyouareapartnership instructingorparticipatinginanyphysical orjointventure),toyourmembers exercisesorgames,sportsorathletic (ifyouarealimitedliability contests. company),ortoaco-"employee" f.Products-CompletedOperationsHazard whileinthecourseofhisorher Includedwiththe"products-completed employmentorperformingduties operationshazard". relatedtotheconductofyour business,ortoyourother g.Business LiabilityExclusions "volunteerworkers"while ExcludedunderBusinessLiabilityCoverage. performingdutiesrelatedtothe C.WHO IS AN INSURED conduct of yourbusiness; 1. Ifyou aredesignated in the Declarations as: (b) Tothespouse,child,parent, brotherorsisterofthatco- a. Anindividual,youandyourspouseare "employee"orthat"volunteer insureds,butonlywithrespecttothe worker"asaconsequenceof conduct of a business of which youare the (1)(a) Paragraphabove; sole owner. (c) Forwhichthereisanyobligation b. Apartnershiporjointventure,youarean tosharedamageswithorrepay insured.Yourmembers,yourpartners,and someoneelsewhomustpay theirspousesarealsoinsureds,butonlywith damagesbecauseoftheinjury respecttotheconductofyourbusiness. (1)(a) describedinParagraphsor c. Alimitedliabilitycompany,youarean (b) above; or insured.Yourmembersarealsoinsureds, (d) Arisingoutofhisorherproviding butonlywithrespecttotheconductofyour orfailingtoprovideprofessional business.Yourmanagersareinsureds,but healthcare services. onlywithrespecttotheirdutiesasyour managers. Ifyouarenotinthebusinessof providingprofessionalhealthcare d. Anorganizationotherthanapartnership, (d) services,Paragraphdoesnotapply jointventureorlimitedliabilitycompany,you toanynurse,emergencymedical areaninsured.Your"executiveofficers"and technicianorparamedicemployedby directorsareinsureds,butonlywithrespect youtoprovidesuchservices. totheirdutiesasyourofficersordirectors. Yourstockholdersarealsoinsureds,butonly (2) "Property damage" to property: withrespecttotheirliabilityasstockholders. (a) Owned,occupiedor usedby, Page 10of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (b)b. Rentedto,inthecare,custodyor Coverageunderthisprovisiondoesnot controlof,oroverwhichphysical apply to: controlisbeingexercisedforany (1) "Bodilyinjury"or"propertydamage" purposebyyou,anyofyour thatoccurred;or "employees","volunteerworkers", (2) "Personalandadvertisinginjury" anypartnerormember(ifyouare arisingoutofan offensecommitted apartnershiporjointventure),or beforeyouacquiredorformedthe anymember(ifyouarealimited organization. liabilitycompany). 4.Operator Of Mobile Equipment b.Real EstateManager Withrespectto"mobileequipment"registeredin Any person (other than your "employee"or yournameunderanymotorvehicleregistration "volunteerworker"),oranyorganization law,anypersonisaninsuredwhiledrivingsuch whileacting asyour real estatemanager. equipmentalongapublichighwaywithyour c.TemporaryCustodiansOfYour permission.Anyotherpersonororganization Property responsiblefortheconductofsuchpersonis Anypersonororganizationhavingproper alsoaninsured,butonlywithrespecttoliability temporarycustodyofyourpropertyifyou arising out oftheoperation of the equipment,and die,butonly: onlyifno other insurance of anykindisavailable (1) Withrespecttoliabilityarisingoutofthe tothatpersonororganizationforthisliability. maintenanceoruseofthatproperty;and However, noperson ororganizationisaninsured withrespectto: (2) Untilyourlegalrepresentativehas beenappointed.a. "Bodilyinjury"toaco-"employee"ofthe persondriving the equipment;or d.Legal Representative If YouDie b. "Propertydamage"topropertyownedby, Yourlegalrepresentativeifyoudie,but rentedto,inthechargeoforoccupiedby onlywithrespecttodutiesassuch.That youortheemployerofanypersonwhois representativewillhaveallyourrightsand aninsuredunder thisprovision. dutiesunder thisinsurance. 5.Operator of NonownedWatercraft e.Unnamed Subsidiary Withrespecttowatercraftyoudonotownthat Anysubsidiaryandsubsidiarythereof,of islessthan51feetlongandisnotbeingused yourswhichisa legally incorporatedentity to carry persons for a charge, any personisan ofwhichyouownafinancialinterestof insuredwhileoperatingsuchwatercraftwith morethan50%ofthevotingstockonthe yourpermission.Anyotherpersonor effectivedateofthis CoveragePart. organizationresponsiblefortheconductof Theinsuranceaffordedhereinforany suchpersonisalsoaninsured,butonlywith subsidiarynotshownintheDeclarations respecttoliabilityarisingoutoftheoperation asanamedinsureddoesnotapplyto ofthewatercraft,andonlyifnoother injuryordamagewithrespecttowhichan insuranceofanykindisavailabletothat insuredunderthisinsuranceisalsoan personor organization for thisliability. insuredunderanotherpolicyorwouldbe However,nopersonororganizationisan aninsuredundersuchpolicybutforits insured withrespect to: terminationorupontheexhaustionofits limits of insurance.a. "Bodilyinjury"toaco-"employee"ofthe personoperating the watercraft;or 3.NewlyAcquired Or Formed Organization b. "Propertydamage"topropertyownedby, Anyorganizationyounewlyacquireorform, rentedto,inthechargeoforoccupiedby otherthanapartnership,jointventureor youortheemployerofanypersonwhois limitedliabilitycompany,andoverwhichyou aninsuredunder thisprovision. maintainfinancialinterestof more than 50%of thevotingstock,willqualifyasaNamed 6.AdditionalInsuredsWhenRequiredBy Insuredifthereisnoothersimilarinsurance WrittenContract,WrittenAgreementOr available to thatorganization. However:Permit a. Coverageunderthisprovisionisafforded Theperson(s)ororganization(s)identifiedin onlyuntilthe180thdayafteryouacquire a.f. Paragraphsthroughbelowareadditional orformtheorganizationortheendofthe insuredswhenyouhaveagreed,inawritten policyperiod, whichever is earlier; and FormSS 0008 0405Page 11of24 BUSINESS LIABILITYCOVERAGE FORM (e) contract,writtenagreementorbecauseofa Anyfailuretomakesuch permitissuedbyastateorpolitical inspections,adjustments,testsor subdivision,thatsuchpersonororganization servicingasthevendorhas beaddedasanadditionalinsuredonyouragreedtomakeornormally policy,providedtheinjuryordamageoccurs undertakestomakeintheusual subsequenttotheexecutionofthecontractor courseofbusiness,inconnection agreement, ortheissuanceofthepermit.withthedistributionorsaleofthe products; Apersonororganizationisanadditional (f) Demonstration,installation, insuredunderthisprovisiononlyforthat servicingorrepairoperations, periodoftimerequiredbythecontract, exceptsuchoperationsperformed agreementor permit. atthevendor'spremisesin However,no suchperson or organization is an connectionwiththesaleofthe additionalinsuredunderthisprovisionifsuch product; personororganizationisincludedasan (g) Productswhich,afterdistribution additionalinsuredbyanendorsementissued orsalebyyou,havebeenlabeled byusandmadeapartofthisCoveragePart, orrelabeledorusedasa includingallpersonsororganizationsadded container,partor ingredient of any asadditionalinsuredsunderthespecific otherthingorsubstancebyorfor additionalinsuredcoveragegrantsinSection the vendor; or F. –Optional AdditionalInsuredCoverages. (h) "Bodilyinjury"or"property a.Vendors damage"arisingoutofthesole Anyperson(s)ororganization(s)(referredto negligenceofthevendorforits belowasvendor),butonlywithrespectto ownactsoromissionsorthoseof "bodilyinjury"or"propertydamage"arising itsemployeesoranyoneelse outof"yourproducts"whicharedistributed acting onits behalf. However, this orsoldintheregularcourseofthevendor's exclusiondoes not apply to: businessandonlyifthisCoveragePart (i) Theexceptionscontainedin providescoveragefor"bodilyinjury"or (d)(f) Subparagraphsor ;or "propertydamage"includedwithinthe (ii) "products-completedoperationshazard".Suchinspections,adjustments, testsorservicingasthevendor (1) Theinsuranceaffordedtothevendor has agreed to make or normally issubjecttothefollowingadditional undertakes to make in the usual exclusions: courseofbusiness,in Thisinsurancedoes not apply to: connectionwiththedistribution (a) "Bodilyinjury"or"property orsaleoftheproducts. damage"forwhichthevendoris (2) Thisinsurancedoesnotapplytoany obligatedtopaydamagesby insuredpersonororganizationfrom reasonoftheassumptionof whom you have acquired suchproducts, liability in acontract or agreement. oranyingredient,partorcontainer, Thisexclusiondoesnotapplyto enteringinto,accompanyingor liabilityfordamagesthatthe containingsuchproducts. vendorwouldhaveintheabsence b.LessorsOfEquipment of the contractor agreement; (1) Anypersonororganizationfrom (b) Anyexpresswarranty whomyouleaseequipment;butonly unauthorizedby you; withrespecttotheirliabilityfor"bodily (c) Anyphysicalorchemicalchange injury","propertydamage"or intheproductmadeintentionally "personalandadvertisinginjury" bythevendor; caused,inwholeorinpart,byyour (d) Repackaging,exceptwhen maintenance,operationoruseof unpackedsolelyforthepurposeof equipmentleasedtoyoubysuch inspection,demonstration,testing, personor organization. orthesubstitutionofpartsunder instructionsfromthemanufacturer, andthenrepackagedinthe original container; Page 12of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (2)e.PermitsIssuedByStateOrPolitical Withrespecttotheinsuranceafforded Subdivisions totheseadditionalinsureds,this insurancedoesnotapplytoany (1) Anystateorpoliticalsubdivision,but "occurrence"whichtakesplaceafter onlywithrespecttooperations youcease to lease thatequipment. performed byyou oron yourbehalf for c.LessorsOfLandOrPremises whichthestateorpoliticalsubdivision hasissueda permit. (1) Anypersonororganizationfrom (2) whomyouleaselandorpremises,but Withrespecttotheinsuranceafforded onlywithrespecttoliabilityarisingout totheseadditionalinsureds,this oftheownership,maintenanceoruse insurance doesnotapplyto: ofthatpartofthelandorpremises (a) "Bodilyinjury","propertydamage" leased to you. or"personalandadvertising (2) Withrespecttotheinsuranceafforded injury"arisingoutofoperations totheseadditionalinsureds,this performedforthestateor insurance doesnotapplyto:municipality; or (a)(b) Any"occurrence"whichtakes "Bodilyinjury"or"propertydamage" placeafter youcease to lease that includedwithinthe"products- landorbeatenantinthat completedoperationshazard". premises; or f.Any OtherParty (b) Structuralalterations,new (1) Anyotherpersonororganizationwho constructionordemolition a. isnotaninsuredunderParagraphs operationsperformedbyoron e through.above,butonlywith behalfofsuchpersonor respecttoliabilityfor"bodilyinjury", organization. "propertydamage"or"personaland d.Architects, EngineersOrSurveyors advertisinginjury"caused,inwholeor inpart,byyouractsoromissionsor (1) Anyarchitect,engineer,orsurveyor,but theactsoromissionsofthoseacting onlywithrespecttoliabilityfor"bodily onyour behalf: injury","propertydamage"or"personal (a) andadvertisinginjury"caused,inwholeIntheperformanceofyour orinpart,byyouractsoromissionsorongoing operations; theactsoromissionsofthoseactingon (b) Inconnectionwithyourpremises yourbehalf: ownedby orrentedtoyou;or (a) Inconnectionwithyourpremises; (c) In connection with "your work" and or includedwithinthe"products- (b) Intheperformanceofyourcompletedoperationshazard",but ongoingoperationsperformedby only if youor onyour behalf. (i) Thewrittencontractorwritten (2) Withrespecttotheinsuranceafforded agreementrequiresyouto totheseadditionalinsureds,theprovidesuchcoverageto followingadditional exclusionapplies:suchadditional insured;and (ii) Thisinsurancedoesnotapplyto ThisCoveragePartprovides "bodilyinjury","propertydamage"or coveragefor"bodilyinjury"or "personalandadvertisinginjury" "propertydamage"included arisingoutoftherenderingoforthe withinthe"products- failuretorenderanyprofessional completed operationshazard". services byor for you, including: (2) Withrespecttotheinsuranceafforded (a) Thepreparing,approving,or totheseadditionalinsureds,this failuretoprepareorapprove, insurance doesnotapplyto: maps,shopdrawings,opinions, "Bodilyinjury","propertydamage"or reports,surveys,fieldorders, "personalandadvertisinginjury" changeorders,designsor arisingoutoftherenderingof,orthe drawings andspecifications; or failuretorender,anyprofessional (b) Supervisory,inspection, architectural,engineeringorsurveying architecturalorengineering services,including: activities. FormSS 0008 0405Page 13of24 BUSINESS LIABILITYCOVERAGE FORM (a) Thepreparing,approving,or ThisGeneralAggregatelimitdoesnot failuretoprepareorapprove, applyto"propertydamage"topremises maps,shopdrawings,opinions, whilerentedtoyouortemporarily reports,surveys,fieldorders, occupiedbyyouwithpermissionofthe changeorders,designsor owner,arisingoutoffire,lightningor drawings andspecifications; orexplosion. (b)3.Each Occurrence Limit Supervisory,inspection, architecturalorengineering 2.a.2.b Subjecttoorabove,whichever activities. applies,themostwewillpayforthesumofall Thelimitsofinsurancethatapplytoadditional damagesbecauseofall"bodilyinjury", D. insuredsaredescribedinSection–Limits"propertydamage"andmedicalexpenses OfInsurance.arisingoutofanyone"occurrence"isthe LiabilityandMedicalExpensesLimitshownin Howthisinsuranceapplieswhenother the Declarations. insuranceisavailabletoanadditionalinsured isdescribedintheOtherInsuranceCondition Themostwewillpayforallmedicalexpenses E. inSection– Liability AndMedicalExpensesbecauseof"bodilyinjury"sustainedbyany GeneralConditions.onepersonistheMedicalExpensesLimit shownintheDeclarations. Nopersonororganizationisaninsuredwith 4.Personal AndAdvertisingInjury Limit respecttotheconductofanycurrentorpast partnership,jointventureorlimitedliability 2.b. Subjecttoabove,themostwewillpayfor companythatisnotshownasaNamedInsuredin thesumofalldamagesbecauseofall the Declarations. "personalandadvertisinginjury"sustainedby D.LIABILITYANDMEDICALEXPENSES any one person or organization is the Personal andAdvertisingInjuryLimitshowninthe LIMITS OF INSURANCE Declarations. 1.TheMost We WillPay 5.Damage ToPremisesRented ToYou Limit TheLimitsofInsuranceshowninthe TheDamageToPremisesRentedToYou Declarationsandtherulesbelowfixthemost LimitisthemostwewillpayunderBusiness wewillpay regardless of the number of: LiabilityCoveragefordamagesbecauseof a. Insureds; "propertydamage"toanyonepremises,while b. Claims made or"suits" brought;or rented to you, or in the case of damage byfire, lightningorexplosion,whilerentedtoyouor c. Persons or organizations making claims or temporarilyoccupiedby youwith permission of bringing"suits". the owner. 2.Aggregate Limits Inthecaseofdamagebyfire,lightningor The mostwe will payfor: explosion, the Damage toPremises Rented To a. Damagesbecauseof"bodilyinjury"and YouLimitappliestoalldamageproximately "propertydamage"includedinthe causedbythesameevent,whethersuch "products-completedoperationshazard"is damage results fromfire,lightning orexplosion theProducts-CompletedOperations orany combinationofthese. AggregateLimitshowninthe 6.HowLimitsApplyTo Additional Insureds Declarations. Themostwewillpayonbehalfofapersonor b. Damagesbecauseofallother"bodily organizationwhoisanadditionalinsured injury","propertydamage"or"personal underthis CoveragePart is the lesser of: andadvertisinginjury",includingmedical a. Thelimitsofinsurancespecifiedina expenses,istheGeneralAggregateLimit writtencontract,writtenagreementor shownintheDeclarations. permitissuedbyastateorpolitical ThisGeneralAggregateLimitapplies subdivision;or separatelytoeachofyour"locations" b. TheLimitsofInsuranceshowninthe ownedby orrentedtoyou. Declarations. "Location"meanspremisesinvolvingthe Suchamountshallbeapartofandnotin sameorconnectinglots,orpremises additiontotheLimitsofInsuranceshownin whoseconnectionisinterruptedonlybya the Declarations anddescribedinthis Section. street,roadwayorright-of-wayofa railroad. Page 14of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (1) Ifmorethanonelimitofinsuranceunderthis Immediatelysenduscopiesofany policyandanyendorsementsattachedthereto demands,notices,summonsesor appliestoanyclaimor"suit",themostwewillpay legalpapersreceivedinconnection underthispolicyandtheendorsementsisthe withtheclaimor "suit"; singlehighestlimitofliabilityofallcoverages (2) Authorizeustoobtainrecordsand applicabletosuchclaimor"suit".However,this other information; paragraph does not apply to theMedicalExpenses (3) Cooperatewithusintheinvestigation, 3. limit set forthinParagraph above. settlementoftheclaimordefense TheLimitsofInsuranceofthisCoveragePartapply againstthe"suit";and separatelytoeachconsecutiveannualperiodandto (4) Assistus,uponourrequest,inthe any remaining period of less than 12 months, starting enforcementofanyrightagainstany withthebeginningofthepolicyperiodshowninthe personororganizationthatmaybe Declarations,unlessthepolicyperiodisextended liabletotheinsuredbecauseofinjury after issuance for anadditional periodoflessthan12 ordamagetowhichthisinsurance months.Inthatcase,theadditionalperiodwillbe may also apply. deemedpartofthelastprecedingperiodforpurposes d.ObligationsAt TheInsured's Own Cost ofdeterminingtheLimitsofInsurance. Noinsuredwill,exceptatthatinsured'sown E.LIABILITYANDMEDICALEXPENSES cost,voluntarilymakeapayment,assume GENERAL CONDITIONS anyobligation,orincuranyexpense,other thanforfirstaid,withoutourconsent. 1.Bankruptcy e.Additional Insured'sOther Insurance Bankruptcyorinsolvencyoftheinsuredorof theinsured'sestatewillnotrelieveusofour Ifwecoveraclaimor"suit"underthis obligationsunder thisCoverage Part. CoveragePartthatmayalsobecovered byotherinsuranceavailabletoan 2.DutiesInTheEventOfOccurrence, additionalinsured,suchadditionalinsured Offense, ClaimOrSuit mustsubmitsuchclaimor"suit"tothe a.NoticeOfOccurrenceOrOffense other insurerfordefenseand indemnity. Youoranyadditionalinsuredmustseeto However,thisprovisiondoesnotapplyto itthatwearenotifiedassoonas theextentthatyouhaveagreedina practicableofan"occurrence"oran writtencontract,writtenagreementor offensewhichmayresultinaclaim.To permitthatthisinsuranceisprimaryand the extentpossible,notice should include: non-contributorywiththeadditional (1) How,whenandwherethe"occurrence" insured's owninsurance. oroffensetookplace; f.KnowledgeOfAnOccurrence,Offense, (2) Thenamesandaddressesofany ClaimOrSuit injuredpersons andwitnesses;and a.b. Paragraphsandapplytoyouorto (3) Thenatureandlocationofanyinjury anyadditionalinsuredonlywhensuch ordamagearisingoutofthe "occurrence",offense,claimor"suit"is "occurrence"or offense. knownto: b.NoticeOfClaim (1) Youoranyadditionalinsuredthatis anindividual; Ifaclaimismadeor"suit"isbrought againstanyinsured,youoranyadditional (2) Anypartner,ifyouoranadditional insured must: insured is apartnership; (1) Immediately record the specifics of the (3) Anymanager,ifyouoranadditional claimor"suit"andthedatereceived; insured is alimitedliability company; and (4) Any"executiveofficer"orinsurance (2) Notify usas soonas practicable. manager,ifyouoranadditional insured is acorporation; Youoranyadditionalinsuredmustseeto itthatwereceiveawrittennoticeofthe (5) Anytrustee,ifyouoranadditional claim or"suit" assoon aspracticable. insured is atrust;or c.AssistanceAndCooperationOfThe (6) Any electedor appointedofficial, ifyou Insured oranadditionalinsuredisapolitical subdivision orpublic entity. Youand anyotherinvolved insured must: FormSS 0008 0405Page 15of24 BUSINESS LIABILITYCOVERAGE FORM f.(3) ThisParagraphappliesseparatelyto Wehaveissuedthispolicyinreliance youand anyadditional insured.uponyour representations. 3.FinancialResponsibility Lawsb.UnintentionalFailureToDisclose Hazards a. Whenthispolicyiscertifiedasproofof financialresponsibilityforthefutureunder If unintentionally youshouldfailtodisclose theprovisionsofanymotorvehicle allhazardsrelatingtotheconductofyour financialresponsibilitylaw,theinsurance businessattheinceptiondateofthis providedbythepolicyfor"bodilyinjury" CoveragePart,weshallnotdenyany liabilityand"propertydamage"liabilitywill coverageunderthisCoveragePart complywiththeprovisionsofthelawto becauseofsuch failure. theextentofthecoverageandlimitsof 7.OtherInsurance insurance required bythat law. Ifothervalidandcollectibleinsuranceis b. Withrespectto"mobileequipment"to availableforalosswecoverunderthis whichthisinsuranceapplies,wewill CoveragePart,ourobligationsarelimitedas provideanyliability,uninsuredmotorists, follows: underinsuredmotorists,no-faultorother a.Primary Insurance coveragerequiredbyanymotorvehicle b. law.Wewillprovidetherequiredlimitsfor Thisinsuranceisprimaryexceptwhen those coverages.belowapplies.Ifotherinsuranceisalso primary,wewillsharewithallthatother 4.Legal Action Against Us c. insurancebythemethoddescribedin Nopersonororganizationhasarightunder below. thisCoverage Form: b.ExcessInsurance a. Tojoinusasapartyorotherwisebringus Thisinsuranceisexcessoveranyofthe intoa"suit"askingfordamagesfroman otherinsurance,whetherprimary,excess, insured;or contingent oron anyotherbasis: b. TosueusonthisCoverageFormunless (1)YourWork allofitstermshavebeenfullycomplied with. ThatisFire,ExtendedCoverage, Builder'sRisk,InstallationRiskor Apersonororganizationmaysueustorecover similarcoverage for "yourwork"; onanagreedsettlementoronafinaljudgment againstaninsured;butwewillnotbeliablefor (2)Premises RentedTo You damagesthat are not payable under the terms of Thatisfire,lightningorexplosion thisinsuranceorthatareinexcessofthe insuranceforpremisesrentedtoyou applicablelimitofinsurance.Anagreed ortemporarilyoccupiedbyyouwith settlementmeansasettlementandreleaseof permission of the owner; liabilitysignedbyus,theinsuredandthe (3)Tenant Liability claimantortheclaimant'slegalrepresentative. Thatisinsurancepurchasedbyyouto 5.SeparationOfInsureds coveryourliabilityasatenantfor ExceptwithrespecttotheLimitsofInsurance, "propertydamage"topremisesrented andanyrightsordutiesspecificallyassigned toyouortemporarilyoccupiedbyyou inthispolicytothefirstNamedInsured,this withpermissionoftheowner; insurance applies: (4)Aircraft,Auto Or Watercraft a. AsifeachNamedInsuredweretheonly Ifthelossarisesoutofthemaintenance Named Insured;and or useofaircraft, "autos" or watercraft to b. Separatelytoeachinsuredagainstwhom g. theextentnotsubjecttoExclusionof aclaimismadeor "suit"isbrought. A. Section–Coverages. 6.Representations (5)PropertyDamageToBorrowed a.When YouAcceptThisPolicy Equipment Or UseOfElevators Byaccepting thispolicy,you agree: Ifthelossarisesoutof"property damage"toborrowedequipmentor (1) ThestatementsintheDeclarations theuseofelevatorstotheextentnot areaccurateand complete; k.A. subjecttoExclusionofSection– (2) Thosestatementsarebasedupon Coverages. representationsyou made to us; and Page 16of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (6)WhenYouAreAddedAsAn Whenthisinsuranceisexcessoverother AdditionalInsuredToOther insurance,wewillpayonlyourshareof Insurance theamountoftheloss,ifany,that exceedsthesumof: Thatisotherinsuranceavailableto (1) youcoveringliabilityfordamages Thetotalamountthatallsuchother arisingoutofthepremisesor insurancewouldpay for the loss in the operations,or products andcompleted absenceofthis insurance;and operations,forwhichyouhavebeen (2) Thetotalofalldeductibleandself- addedasanadditionalinsuredbythat insuredamountsunderallthatother insurance;or insurance. (7)WhenYouAddOthersAsAn Wewillshare the remaining loss,if any, with AdditionalInsuredToThis anyotherinsurancethatisnotdescribedin Insurance this ExcessInsuranceprovision andwas not Thatisotherinsuranceavailabletoan boughtspecificallytoapplyinexcessofthe additionalinsured.LimitsofInsuranceshowninthe DeclarationsofthisCoveragePart. However,thefollowingprovisions c.MethodOfSharing applytootherinsuranceavailableto anypersonororganizationwhoisan Ifalltheotherinsurancepermits additional insured under thisCoverage contribution by equal shares, we will follow Part: thismethodalso.Underthisapproach, (a)PrimaryInsuranceWhen eachinsurercontributesequalamounts RequiredBy Contract untilithaspaiditsapplicablelimitof insuranceornoneofthelossremains, Thisinsuranceisprimaryifyou whichevercomesfirst. haveagreedinawrittencontract, writtenagreementorpermitthat Ifanyoftheotherinsurancedoesnotpermit thisinsurancebeprimary.Ifother contributionbyequalshares,wewill insuranceisalsoprimary,wewill contributebylimits.Underthismethod,each sharewithallthatotherinsurance insurer’sshareisbasedontheratioofits c. bythemethoddescribedinapplicablelimitofinsurancetothetotal below.applicablelimitsofinsuranceofallinsurers. (b)PrimaryAndNon-Contributory8.TransferOfRightsOfRecoveryAgainst ToOtherInsuranceWhen OthersTo Us RequiredBy Contract a.TransferOfRightsOfRecovery Ifyouhaveagreedinawritten Iftheinsuredhasrightstorecoverallor contract,writtenagreementor partofanypayment,including permitthatthisinsuranceis SupplementaryPayments,wehavemade primaryandnon-contributorywith underthisCoveragePart,thoserightsare theadditionalinsured'sown transferredtous.Theinsuredmustdo insurance,thisinsuranceis nothingafterlosstoimpairthem.Atour primaryandwewillnotseek request,theinsuredwillbring"suit"or contributionfromthatother transferthoserightstousandhelpus insurance. enforcethem.Thisconditiondoesnot (a)(b) Paragraphs and donot apply to apply to Medical ExpensesCoverage. other insurance to which the additional b.WaiverOfRightsOfRecovery(Waiver insuredhasbeenaddedasan Of Subrogation) additionalinsured. Iftheinsuredhaswaivedanyrightsof Whenthisinsuranceisexcess,wewill recoveryagainstanypersonor havenodutyunderthisCoveragePartto organizationforallorpartof anypayment, defend the insured against any "suit" ifany includingSupplementaryPayments,we otherinsurerhasadutytodefendthe havemadeunderthisCoveragePart,we insuredagainstthat"suit".Ifnoother alsowaivethatright,providedtheinsured insurerdefends,wewillundertaketodo waivedtheirrightsofrecoveryagainst so,butwewillbeentitledtotheinsured's suchpersonororganizationinacontract, rightsagainst allthoseotherinsurers. agreementorpermitthatwasexecuted prior to the injuryor damage. FormSS 0008 0405Page 17of24 BUSINESS LIABILITYCOVERAGE FORM 3.Additional Insured-GrantorOfFranchise F.OPTIONALADDITIONALINSURED COVERAGES C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditionalinsured If listed or shown as applicable in the Declarations, theperson(s)ororganization(s)showninthe oneormoreofthefollowingOptionalAdditional DeclarationsasanAdditionalInsured- InsuredCoverages also apply. When any of these GrantorOfFranchise,butonlywithrespectto OptionalAdditionalInsuredCoveragesapply, theirliability asgrantoroffranchise to you. 6. Paragraph(AdditionalInsuredsWhenRequired 4.AdditionalInsured-LessorOfLeased byWrittenContract,WrittenAgreementorPermit) Equipment C. ofSection,WhoIsAnInsured,doesnotapply tothepersonororganizationshowninthe a.C. WHO IS AN INSURED under Section is Declarations.Thesecoveragesaresubjecttothe amendedtoincludeasanadditional termsandconditionsapplicabletoBusiness insuredtheperson(s)ororganization(s) LiabilityCoverageinthispolicy,exceptas shown in the Declarations as an Additional provided below: Insured–LessorofLeasedEquipment, butonlywithrespecttoliabilityfor"bodily 1.AdditionalInsured-DesignatedPersonOr injury","propertydamage"or"personal Organization andadvertisinginjury"caused,inwholeor C. WHOISANINSUREDunderSectionis inpart,byyourmaintenance,operationor amendedtoincludeasanadditionalinsured useofequipmentleasedtoyoubysuch theperson(s)ororganization(s)showninthe person(s)or organization(s). Declarations,butonlywithrespecttoliability b. Withrespecttotheinsuranceaffordedto for"bodilyinjury","propertydamage"or theseadditionalinsureds,thisinsurance "personalandadvertisinginjury"caused,in doesnotapplytoany"occurrence"which wholeorinpart,byyouractsoromissionsor takesplaceafteryouceasetoleasethat theactsoromissionsofthoseactingonyour equipment. behalf: 5.AdditionalInsured-OwnersOrOther a. Intheperformanceofyourongoing InterestsFromWhomLandHasBeen operations; or Leased b. Inconnectionwithyourpremisesowned a.C. WHO IS AN INSURED under Section is byor rented to you. amendedtoincludeasanadditional 2.AdditionalInsured-ManagersOrLessors insuredtheperson(s)ororganization(s) Of Premises shown in the Declarations as an Additional a.C. WHOISANINSUREDunderSectionis Insured– Owners Or OtherInterestsFrom amendedtoincludeasanadditionalinsured WhomLandHasBeenLeased,butonly the person(s) or organization(s)shown in the withrespecttoliabilityarisingoutofthe DeclarationsasanAdditionalInsured- ownership, maintenance or useofthat part DesignatedPersonOrOrganization;butonly ofthelandleased to youand showninthe withrespecttoliabilityarisingoutofthe Declarations. ownership,maintenanceoruseofthatpartof b. Withrespecttotheinsuranceaffordedto the premises leasedtoyou andshown in the theseadditionalinsureds,thefollowing Declarations. additionalexclusions apply: b. Withrespecttotheinsuranceaffordedto Thisinsurancedoes not apply to: theseadditionalinsureds,thefollowing (1) Any"occurrence"thattakesplace additionalexclusions apply: afteryou ceasetoleasethat land;or Thisinsurancedoes not apply to: (2) Structuralalterations,new (1) Any"occurrence"whichtakesplace constructionordemolitionoperations afteryouceasetobeatenantinthat performedbyoronbehalfofsuch premises; or personor organization. (2) Structuralalterations,new 6.AdditionalInsured-StateOrPolitical constructionordemolitionoperations Subdivision–Permits performedbyoronbehalfofsuch a.C. WHO IS AN INSURED under Section is personor organization. amendedtoincludeasanadditional insuredthestateorpoliticalsubdivision shown in the Declarations as an Additional Page 18of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM (e) Insured–StateOrPoliticalSubdivision-Anyfailuretomakesuch Permits,butonlywithrespectto inspections,adjustments,testsor operationsperformedbyyouoronyour servicingasthevendorhasagreed behalfforwhichthestateorpolitical tomakeornormallyundertakesto subdivision hasissueda permit.makeintheusualcourseof business,inconnectionwiththe b. Withrespecttotheinsuranceaffordedto distributionorsaleoftheproducts; theseadditionalinsureds,thefollowing (f) Demonstration,installation, additionalexclusions apply: servicingorrepairoperations, Thisinsurancedoes not apply to: exceptsuchoperationsperformed (1) "Bodilyinjury","propertydamage"or atthevendor'spremisesin "personalandadvertisinginjury" connectionwiththesaleofthe arisingoutofoperationsperformedfor product; the stateor municipality;or (g) Productswhich,afterdistribution (2) "Bodilyinjury"or"propertydamage" orsalebyyou,havebeenlabeled includedinthe"product-completed orrelabeledorusedasa operations"hazard. container,partor ingredient of any 7.Additional Insured–Vendors otherthingorsubstancebyorfor the vendor; or a.C. WHO IS AN INSURED under Section is amendedtoincludeasanadditional (h) "Bodilyinjury"or"property insuredtheperson(s)ororganization(s) damage"arisingoutofthesole (referredtobelowasvendor)shown in the negligenceofthevendorforits DeclarationsasanAdditionalInsured- ownactsoromissionsorthoseof Vendor,butonlywithrespectto"bodily itsemployeesoranyoneelse injury"or"propertydamage"arisingoutof acting onits behalf. However, this "yourproducts"whicharedistributedor exclusiondoes not apply to: soldintheregularcourseofthevendor's (i) Theexceptionscontainedin businessandonlyifthisCoveragePart (d)(f) Subparagraphsor ;or providescoveragefor"bodilyinjury"or (ii) Suchinspections, "propertydamage"includedwithinthe adjustments,tests or servicing "products-completed operationshazard". asthevendorhasagreedto b. Theinsuranceaffordedtothevendoris makeornormallyundertakes subjecttothefollowingadditionalexclusions: tomakeintheusualcourseof (1) Thisinsurancedoes not apply to: business,inconnectionwith thedistributionorsaleofthe (a) "Bodilyinjury"or"property products. damage"forwhichthevendoris obligatedtopaydamagesby (2) Thisinsurancedoesnotapplytoany reasonoftheassumptionof insuredpersonororganizationfrom liability in acontract or agreement. whomyouhaveacquiredsuch Thisexclusiondoesnotapplyto products,oranyingredient,partor liabilityfordamagesthatthe container,enteringinto, vendorwouldhaveintheabsence accompanyingorcontainingsuch of the contractor agreement; products. (b) Anyexpresswarranty 8.Additional Insured–Controlling Interest unauthorizedby you; C. WHOISANINSUREDunderSectionis (c) Anyphysicalorchemicalchange amendedtoincludeasanadditionalinsured intheproductmadeintentionally theperson(s)ororganization(s)showninthe bythevendor; DeclarationsasanAdditionalInsured– ControllingInterest,butonlywithrespectto (d) Repackaging,unlessunpacked theirliability arisingoutof: solelyforthepurposeofinspection, demonstration,testing,orthe a. Theirfinancial controlofyou;or substitutionofpartsunder b. Premisestheyown,maintainorcontrol instructionsfromthemanufacturer, whileyou lease oroccupy these premises. andthenrepackagedintheoriginal container; FormSS 0008 0405Page 19of24 BUSINESS LIABILITYCOVERAGE FORM Thisinsurancedoesnotapplytostructural Thelimitsofinsurancethatapplytoadditional D. alterations,newconstructionanddemolition insuredsaredescribedinSection–LimitsOf operationsperformedbyorforthatpersonor Insurance. organization. Howthisinsuranceapplieswhenotherinsurance 9.AdditionalInsured–Owners,LesseesOr isavailabletoanadditionalinsuredisdescribedin Contractors–ScheduledPersonOr E. theOtherInsuranceConditioninSection– Organization LiabilityAndMedicalExpensesGeneral Conditions. a.C. WHO IS AN INSURED under Section is amendedtoincludeasanadditional G.LIABILITYANDMEDICALEXPENSES insuredtheperson(s)ororganization(s) DEFINITIONS shown in the Declarations as an Additional 1. "Advertisement"meansthewidespreadpublic Insured–Owner,Lessees Or Contractors, disseminationofinformationorimagesthat butonlywithrespecttoliabilityfor"bodily hasthepurposeofinducingthesaleofgoods, injury","propertydamage"or"personal products orservicesthrough: andadvertisinginjury"caused,inwholeor inpart,byyouractsoromissionsorthe a. (1) Radio; actsoromissionsofthoseactingonyour (2) Television; behalf: (3) Billboard; (1) Intheperformanceofyourongoing (4) Magazine; operationsfortheadditional (5) Newspaper; insured(s);or b. TheInternet,butonlythatpartofaweb (2) Inconnectionwith"yourwork" sitethatisaboutgoods,productsor performedforthatadditionalinsured servicesforthepurposesofinducingthe andincludedwithinthe"products- sale of goods, products orservices; or completedoperationshazard",but c. Anyotherpublicationthatisgiven onlyifthisCoveragePartprovides widespread publicdistribution. coveragefor"bodilyinjury"or "propertydamage"includedwithinthe However, "advertisement"does not include: "products-completedoperations a. Thedesign,printedmaterial,information hazard". orimagescontainedin,onoruponthe b. Withrespecttotheinsuranceaffordedto packagingorlabelingofanygoodsor theseadditionalinsureds,thisinsurance products;or doesnotapplyto"bodilyinjury","property b. Aninteractiveconversationbetweenor damage"or"personalanadvertising amongpersonsthroughacomputernetwork. injury"arisingoutoftherenderingof,or 2. "Advertisingidea"meansanyideaforan thefailuretorender,anyprofessional "advertisement". architectural,engineeringorsurveying services,including: 3. "Asbestoshazard"meansanexposureor threatofexposuretotheactualoralleged (1) Thepreparing,approving,orfailureto propertiesofasbestosandincludesthemere prepareorapprove,maps,shop presenceofasbestosinanyform. drawings,opinions,reports,surveys, fieldorders, change orders, designs or 4. "Auto"meansalandmotorvehicle,traileror drawings andspecifications; or semi-trailerdesignedfortravelonpublic roads,includinganyattachedmachineryor (2) Supervisory,inspection,architectural equipment.But"auto"doesnotinclude orengineering activities. "mobile equipment". 10.AdditionalInsured–Co-OwnerOfInsured 5. "Bodilyinjury" means physical: Premises a. Injury; C. WHOISANINSUREDunderSectionis amendedtoincludeasanadditionalinsured b. Sickness; or theperson(s)orOrganization(s)showninthe c. Disease DeclarationsasanAdditionalInsured–Co- sustainedbyapersonand,ifarisingoutofthe OwnerOfInsuredPremises,butonlywith above, mental anguish ordeathatany time. respecttotheirliabilityasco-ownerofthe premisesshown in the Declarations. 6. "Coverageterritory"means: Page 20of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM a.b. The United States of America(includingits Youhavefailedtofulfillthetermsofa territoriesandpossessions),PuertoRico contractor agreement; andCanada; ifsuch property canbe restored to useby: b. Internationalwaters orairspace, but only if a. Therepair,replacement,adjustmentor theinjuryordamageoccursinthecourse removalof"yourproduct"or"yourwork"; oftravelortransportationbetweenany or a. places includedinabove; b. Yourfulfillingthetermsofthecontractor c. Allotherpartsoftheworldiftheinjuryor agreement. damage arises out of: 12. "Insured contract"means: (1) Goodsorproductsmadeorsoldbyyou a .Acontractforaleaseofpremises. a. intheterritorydescribedinabove; However,thatportionofthecontractfora (2) Theactivities of a person whose home leaseofpremisesthatindemnifiesany a isintheterritorydescribedin. personororganizationfordamagebyfire, above,butisawayforashorttimeon lightningorexplosiontopremiseswhile yourbusiness; or rentedtoyouortemporarilyoccupiedby (3) "Personalandadvertisinginjury" youwithpermissionoftheowneris offensesthattakeplacethroughthesubjecttotheDamageToPremises Internetorsimilarelectronicmeansof RentedToYoulimitdescribedinSection D. communication–LiabilityandMedicalExpensesLimits of Insurance. providedtheinsured'sresponsibilitytopay b. damagesisdeterminedintheUnitedStatesof Asidetrack agreement; America(includingitsterritoriesand c. Anyeasementorlicenseagreement, possessions),PuertoRicoorCanada,ina includinganeasementorlicense "suit"onthemeritsaccordingtothe agreementinconnectionwithconstruction substantivelawinsuchterritory,orina ordemolitionoperationsonorwithin50 settlement weagree to. feetofa railroad; 7. "Electronicdata"meansinformation,factsor d. Anyobligation,asrequiredbyordinance, programs: toindemnifyamunicipality,exceptin a. Stored asor on;connectionwith workfora municipality; b. Created orused on; or e. Anelevator maintenance agreement; or c. Transmitted to orfrom f. Thatpartofanyothercontractor agreementpertainingtoyourbusiness computersoftware,includingsystemsand (includinganindemnificationofa applicationssoftware,hardorfloppydisks, municipalityinconnectionwithwork CD-ROMS,tapes,drives,cells,data performedforamunicipality)underwhich processingdevicesoranyothermediawhich youassumethetortliabilityofanother areusedwithelectronicallycontrolled partytopayfor"bodilyinjury"or"property equipment. damage"toathirdpersonororganization, 8. "Employee"includesa"leasedworker". providedthe"bodilyinjury"or"property "Employee"doesnotincludea"temporary damage"iscaused,inwholeorinpart,by worker". youorbythoseactingonyourbehalf. 9. "Executiveofficer"meansapersonholding Tortliabilitymeansaliabilitythatwould be anyoftheofficerpositionscreatedbyyour imposedbylawintheabsenceofany charter,constitution,by-lawsoranyother contractor agreement. similargoverningdocument. f. Paragraphincludesthatpartofany 10. "Hostilefire"meansonewhichbecomes contractoragreementthatindemnifiesa uncontrollableorbreaksoutfromwhereitwas railroadfor"bodilyinjury"or"property intendedtobe. damage"arisingoutofconstructionor demolitionoperationswithin50feetofany 11. "Impairedproperty"meanstangibleproperty, railroadpropertyandaffectingany railroad otherthan"yourproduct"or"yourwork",that bridgeortrestle,tracks,road-beds,tunnel, cannot beused orislessuseful because: underpassor crossing. a. Itincorporates"yourproduct"or"yourwork" f. However,Paragraphdoesnotinclude thatisknownorthoughttobedefective, thatpartofany contractor agreement: deficient,inadequateordangerous;or FormSS 0008 0405Page 21of24 BUSINESS LIABILITYCOVERAGE FORM (1)(1) Thatindemnifiesanarchitect, Powercranes,shovels,loaders, engineerorsurveyorforinjuryor diggers ordrills; or damage arisingoutof: (2) Roadconstructionorresurfacing (a) Preparing,approvingorfailingto equipmentsuchasgraders,scrapers prepareorapprovemaps,shop orrollers; drawings,opinions,reports, e.a.b.c.d. Vehiclesnotdescribedin,,,or surveys,fieldorders,change abovethatarenotself-propelledandare orders,designsordrawingsand maintainedprimarilytoprovidemobilityto specifications;or permanentlyattachedequipmentofthe (b) Givingdirectionsorinstructions, followingtypes: or failingtogivethem,if that is the (1) Aircompressors,pumpsand primarycauseoftheinjuryor generators,includingspraying, damage;or welding,buildingcleaning, (2) Underwhichtheinsured,ifan geophysicalexploration,lightingand architect,engineerorsurveyor, wellservicing equipment;or assumesliabilityforaninjuryor (2) Cherrypickersandsimilardevices damagearisingoutoftheinsured's usedtoraiseor lower workers; renderingorfailuretorender f.a.b.c.d. Vehiclesnotdescribedin,,,or professionalservices,includingthose abovemaintainedprimarilyforpurposes (1) listedinaboveandsupervisory, otherthanthetransportationofpersonsor inspection,architecturalor cargo. engineeringactivities. However,self-propelledvehicleswiththe 13. "Leasedworker"meansapersonleasedto followingtypesofpermanentlyattached youbyalaborleasingfirmunderan equipmentarenot"mobileequipment"but agreementbetweenyouandthelaborleasing will beconsidered"autos": firm, to perform duties related to the conduct of (1) Equipment,ofatleast1,000pounds yourbusiness."Leasedworker"doesnot grossvehicleweight,designed includea "temporaryworker". primarilyfor: 14. "Loadingorunloading"meansthehandlingof (a) Snowremoval; property: (b) Roadmaintenance,butnot a. Afteritismovedfromtheplacewhereitis construction orresurfacing;or acceptedformovementintoorontoan aircraft,watercraftor "auto"; (c) Streetcleaning; b. Whileit is in oron anaircraft, watercraft or (2) Cherrypickersandsimilardevices "auto";or mountedonautomobileortruck chassisandusedtoraiseorlower c. Whileitisbeingmovedfromanaircraft, workers; and watercraftor"auto"totheplacewhere itis finallydelivered; (3) Aircompressors,pumpsand generators,includingspraying, but"loadingorunloading"doesnotincludethe welding,buildingcleaning, movement of property by means of a mechanical geophysicalexploration,lightingand device,otherthanahandtruck,thatisnot wellservicing equipment. attachedtotheaircraft,watercraftor"auto". 16. "Occurrence"meansanaccident,including 15. "Mobile equipment" means any ofthefollowing continuousorrepeatedexposuretosubstantially typesoflandvehicles,includinganyattached thesamegeneralharmfulconditions. machineryor equipment: 17. "Personaland advertising injury" means injury, a. Bulldozers,farmmachinery,forkliftsand includingconsequential"bodilyinjury",arising othervehiclesdesignedforuseprincipally out of oneor more of the followingoffenses: offpublic roads; a. Falsearrest, detention orimprisonment; b. Vehiclesmaintainedforusesolelyonor next to premisesyou ownor rent; b. Maliciousprosecution; c. Vehicles thattravel oncrawlertreads; d. Vehicles,whetherself-propelledornot,on which arepermanentlymounted: Page 22of24FormSS 0008 0405 BUSINESS LIABILITYCOVERAGE FORM c. Thewrongfulevictionfrom,wrongfulentryWork thatmayneed service,maintenance, into,orinvasionoftherightofprivate correction,repairorreplacement,but occupancyofaroom,dwellingor whichisotherwisecomplete,willbe premisesthatthepersonoccupies, treatedas completed. committedbyoronbehalfofitsowner, The"bodilyinjury"or"propertydamage" landlordor lessor; mustoccurawayfrompremisesyouown d. Oral,writtenorelectronicpublicationof orrent,unlessyourbusinessincludesthe materialthatslandersorlibelsapersonor selling,handlingordistributionof"your organizationordisparagesaperson'sor product"forconsumptiononpremisesyou organization's goods, products orservices;ownor rent. e.b. Oral,writtenorelectronicpublicationof Doesnotinclude"bodilyinjury"or materialthatviolatesaperson'srightof "property damage" arisingoutof: privacy; (1) Thetransportationofproperty,unless f. Copying,inyour"advertisement",a theinjuryordamagearisesoutofa person’sororganization’s"advertising conditioninoronavehiclenotowned idea" orstyle of "advertisement"; oroperatedbyyou,andthatcondition wascreatedbythe"loadingor g. Infringement of copyright, slogan, or title of unloading"ofthatvehiclebyany anyliteraryorartisticwork,inyour insured;or "advertisement"; or (2) Theexistenceoftools,uninstalled h. Discriminationorhumiliationthatresultsin equipmentorabandonedorunused injurytothefeelingsorreputationofa materials. naturalperson. 20. "Property damage" means: 18. "Pollutants"meansanysolid,liquid,gaseousor thermalirritantorcontaminant,includingsmoke, a. Physicalinjurytotangibleproperty, vapor,soot,fumes,acids,alkalis,chemicalsand includingallresultinglossofuseofthat waste.Wasteincludesmaterialstoberecycled, property.Allsuchlossofuseshallbe reconditionedorreclaimed. deemedtooccuratthetimeofthe physicalinjury thatcaused it; or 19. "Products-completed operationshazard"; b. Lossofuseoftangiblepropertythatisnot a. Includesall"bodilyinjury"and"property physicallyinjured.Allsuchlossofuse damage"occurringawayfrompremises shallbedeemedtooccuratthetimeof youownorrentandarisingoutof"your "occurrence"that causedit. product" or"your work"except: Asusedinthisdefinition,"electronicdata"is (1) Productsthatarestillinyourphysical not tangible property. possession;or 21. "Suit"meansacivilproceedinginwhich (2) Workthathasnotyetbeencompleted damagesbecauseof"bodilyinjury","property orabandoned.However,"yourwork" damage"or"personalandadvertisinginjury" willbedeemedtobecompletedatthe towhichthisinsuranceappliesarealleged. earliest of the followingtimes: "Suit"includes: (a) Whenalloftheworkcalledforin a. Anarbitrationproceedinginwhichsuch yourcontract hasbeen completed. damagesareclaimedandtowhichthe (b) Whenall of the work to bedone at insuredmustsubmitordoessubmitwith thejobsitehasbeencompletedif ourconsent; or yourcontractcallsforworkat b. Anyotheralternativedisputeresolution more than onejobsite. proceedinginwhichsuchdamagesare (c) When that part of the workdone at claimedandtowhichtheinsuredsubmits ajobsitehasbeenputtoits withour consent. intendedusebyanypersonor 22. "Temporaryworker"meansapersonwhois organizationotherthananother furnishedtoyoutosubstituteforapermanent contractororsubcontractor "employee"onleaveortomeetseasonalor working onthesameproject. short-termworkloadconditions. 23. "Volunteerworker" means aperson who: a. Is not your"employee"; FormSS 0008 0405Page 23of24 BUSINESS LIABILITYCOVERAGE FORM b.(2) Donates his orher work;Theprovidingoforfailuretoprovide warnings orinstructions. c. Actsatthedirectionofandwithinthe c. scopeofduties determined byyou;andDoesnotincludevendingmachinesor d. Isnotpaidafee,salaryorother otherpropertyrentedtoorlocatedforthe compensationbyyouoranyoneelsefor useofothersbutnotsold. theirwork performedforyou. 25 ."Yourwork": 24. "Yourproduct": a. Means: a. Means: (1) Workoroperationsperformedbyyou (1) Any goodsor products,otherthanreal oron yourbehalf;and property, manufactured, sold, handled, (2) Materials,partsorequipment distributedor disposed of by: furnished in connectionwith suchwork (a) You;oroperations. (b)b. Otherstradingunderyourname; Includes: or (1) Warrantiesor representations made at (c) Apersonororganizationwhose anytimewithrespecttothefitness, businessorassetsyouhave quality,durability,performanceoruse acquired;andof "yourwork";and (2)(2) Containers(otherthanvehicles), Theprovidingoforfailuretoprovide materials,partsorequipment warnings orinstructions. furnishedinconnectionwithsuch goodsor products. b. Includes: (1) Warrantiesor representations made at anytimewithrespecttothefitness, quality,durability,performanceoruse of "yourproduct"; and Page 24of24FormSS 0008 0405